Core Viewpoint - After a prolonged leadership vacancy and internal turmoil, Zhejiang Commercial Bank has appointed Chen Haiqiang as the new president, who emphasizes microfinance and risk management. However, the bank faces significant compliance and operational challenges, highlighted by recent regulatory penalties and declining profitability metrics [1][3][4]. Regulatory Issues - Zhejiang Commercial Bank's Changzhou branch was fined 500,000 yuan for inadequate verification of trade backgrounds in bank acceptance bill operations [1][2]. - The bank has faced over 20 regulatory penalties in 2025 alone, totaling more than 20 million yuan, which is double the total fines from 2024 [3][12][14]. Financial Performance - In 2024, Zhejiang Commercial Bank reported total assets of 3.33 trillion yuan, a year-on-year increase of 5.78%, with net profit growth slowing to just 0.92% [4][6]. - The bank's net profit growth has significantly declined from double digits in previous years to below 1% in 2024, indicating a troubling trend in profitability [4][7]. Asset Quality and Risk Management - The bank's non-performing loan ratio stood at 1.38%, which, while improved, remains high compared to peers like Hangzhou Bank [9]. - Credit impairment losses reached 28.2 billion yuan in 2024, with cumulative losses exceeding 80 billion yuan over three years, severely impacting profitability [9][11]. Market Position and Competition - Zhejiang Commercial Bank's market share and asset scale are under pressure from rising competitors in the Jiangsu and Zhejiang regions, such as Hangzhou Bank and Ningbo Bank [7][8]. - The bank's aggressive expansion strategy has led to a high concentration of real estate loans, raising concerns about its risk resilience [9][10]. Leadership and Management Challenges - The bank has experienced significant leadership instability, with multiple executives facing corruption investigations, which has adversely affected internal controls and market confidence [16][17]. - Chen Haiqiang's leadership aims to shift the bank's focus from rapid growth to sustainable value creation, addressing previous compliance and operational deficiencies [17][18].

21世纪经济报道记者李览青 浙江报道 "昨天在广交会现场，我接待了来自30多个国家的客户。"在接受媒体调研的前一晚，浙江孚宝智能科技有限公司（下称"孚宝智 能"）董事长贾国强刚刚从广州飞回杭州。 作为聚焦医疗、康养领域的人形机器人企业，孚宝智能在广交会上签下大量意向订单，贾国强对今年业务的爆发充满信心。 今年，广交会首次增设了服务机器人专区，在孚宝智能展位旁边的就是"杭州六小龙"之一的宇树科技。开年至今，以"杭州六小 龙"为代表的科技型企业崛起持续引发关注，而杭州市与浙江省的城市生态与营商环境也受到多方探讨。 在浙商总会金融服务委员会（下称"金服会"）主席，浙商银行党委书记、董事长陆建强看来，人才是主体、数字经济是土壤、 良好的营商环境是空气、金融要素是活水，它们共同构建了一座城市的大生态。 在这样的背景下，银行不仅要做科技型企业的"灌溉泵"，还要做创新生态的"孵化器"，前者需要银行及时提供金融服务，后者 进一步要求银行串联起多方机构，汇聚各方资源要素，共同构建、运营科技创新的生态。 陪伴式成长 今年不是孚宝智能第一次面临业务量的突然爆发。 孚宝智能成立于2017年，其核心产品是智能康养陪伴机器人，结合自然语 ...

从本周开始银行分红季正式开启。 4月2 0日，中国银行发布公告显示，中国银行A股每股派发2 0 2 4年末期现金红利0 . 1 2 1 6元（税 前，下同），股权登记日为4月2 4日，除权（息）日为4月2 5日，现金红利发放日为4月2 5 日。 作 者丨叶静 编 辑丨 包芳鸣 图 源丨图虫 根据Wi n d统计， 截至4月2 3日，已经有3 6家银行披露了分红计划，分红总额为6 1 6 1 . 2 6亿 元，这其中包括去年超2 3 0 0亿元的中期分红。 分红大户 值得注意的是， 中国银行此次年度分红落地明显早于往年。 同花顺数据显示，中国银行自 2 0 0 6年在A股上市以来，年度分红派息时间均在6月至7月。 根据分配方案，中国银行2 0 2 4年末期利润分配以方案实施前的该行普通股总股本2 9 4 3 . 8 8亿股 为基数，每股派发现金红利0 . 1 2 1 6元，共计派发现金红利3 5 7 . 9 8亿元。其中，A股普通股股 本2 1 0 7 . 6 6亿股，派发A股现金红利2 5 6 . 2 9亿元。该行已派发2 0 2 4年中期现金红利每股 0 . 1 2 0 8元，连同本次末期现金红利，2 0 ...

导语：在"五篇大文章"的战略指引下，中国科技金融生态正经历新一轮重构。浙商银行十年耐心实践与"善科陪伴计划"，恰是这场国家行 动的微观映射。 金融范式创新 游标卡尺能丈量厂房面积，却无法为知识资产与"人才价值"定价。 当传统银行汲汲于"所见即所得"的思维惯性，如何"接得住"服务中国科技创新的时代命题？ 一场发生于十年前的商业银行突围实践，给出了破局解法。 浙商银行（601916.SH）2016年创新性推出的全国首个"人才银行"，以"人"而非"物"作为信用锚点，将4000余名高层次人才的创新潜力转化为 超300亿元的融资支持。 于是，浙商银行提出"以人定贷"的概念，并创立"人才银行"这一金融服务 品牌。 遵循这一设计理念的信用贷款产品，是以人才价值、政府对人才的认可度、人才企业的发展潜力作为主要评估依据，弱化营收、利润和负债率 等传统财务因素，给予人才企业最高3000万元的信用支持。 而今，这一金融品牌又进行了"新版本"迭代。 4月16日，"善科致远·创见未来——金融支持科技企业发展大会"在杭州举行。 在会上，浙商银行发布面向科技企业的全新综合金融服务品牌——"善科陪伴计划"。 浙商银行党委书记、董事长陆建强表 ...

证券代码：601916 证券简称：浙商银行 公告编号：2025-021 本公司监事会及全体监事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 浙商银行股份有限公司第七届监事会第九次会议于2025年4月11日发出会议 通知，以书面传签方式召开，表决时间为2025年4月17日。本次会议应出席监事 11名，实际参与书面传签表决的监事共11名。本次会议的召开符合法律、法规、 部门规章、其他规范性文件和《浙商银行股份有限公司章程》的有关规定。 会议审议通过了以下议案： 一、通过《浙商银行股份有限公司监事会对董事会及其成员2024年度履职 情况评价报告》。 表决结果：11票赞成，0票反对，0票弃权。 本议案尚需向股东大会报告。 浙商银行股份有限公司 第七届监事会第九次会议决议公告 二、通过《浙商银行股份有限公司监事会及其成员2024年度履职情况评价 报告》。 表决结果：11票赞成，0票反对，0票弃权。 本议案尚需向股东大会报告。 三、通过《浙商银行股份有限公司监事会对高级管理层及其成员2024年度 履职情况评价报告》。 表决结果：11票赞成，0票反对，0票弃权 ...

Core Viewpoint - The total cash dividends proposed by major listed banks in China for 2024 exceed 560 billion yuan, marking an increase of over 10 billion yuan year-on-year, with state-owned banks dominating the distribution [1][3]. Group 1: Dividend Distribution - The six major state-owned banks plan to distribute over 420 billion yuan in cash dividends, with all having a dividend payout ratio of 30% or higher [1][3]. - Among the listed banks, China Merchants Bank leads with a cash dividend payout ratio of 35.32%, while Ping An Bank's ratio is below 30% at 28.32% [1][3][4]. - The total cash dividends for the six major banks include: Industrial and Commercial Bank of China (1,097.73 billion yuan), China Construction Bank (1,007.54 billion yuan), Agricultural Bank of China (846.61 billion yuan), Bank of China (713.60 billion yuan), China Merchants Bank (504.40 billion yuan), and Bank of Communications (281.46 billion yuan) [2][3]. Group 2: Changes in Dividend Amounts - Ping An Bank, Minsheng Bank, and Zheshang Bank have seen declines in their proposed dividend amounts, with decreases of 15.44%, 11.11%, and 4.88% respectively [2][6]. - The dividend payout ratio for Ping An Bank decreased from 30% in 2023 to 28.32% in 2024, attributed to the need for internal capital accumulation and regulatory compliance [6][9]. Group 3: Future Dividend Plans - China Merchants Bank plans to implement a mid-term dividend distribution for the first time in 2025, with a proposed payout ratio of 35% [5]. - Other banks, such as Industrial Bank and CITIC Bank, have also set ambitious dividend plans, with CITIC Bank aiming for a payout ratio of over 30% from 2024 to 2026 [5][12]. Group 4: Stock Dividend Yields - As of April 16, 2024, Ping An Bank has the highest dividend yield among the listed banks at 5.53%, followed by Zheshang Bank at 5.23% and Industrial Bank at 5.02% [8][9]. - The dividend yields for the six major state-owned banks are all above 4%, indicating strong investment value despite the overall low price-to-book ratios in the banking sector [7][11]. Group 5: Market Context and Valuation Plans - Many banks are currently trading below their book value, prompting over 20 banks to release valuation enhancement plans to improve their investment appeal [11][12]. - The valuation enhancement plans include commitments to maintain or increase dividend payouts, with banks like Bank of Communications and Ping An Bank outlining specific future dividend strategies [12][13].

Group 1 - The core viewpoint of the news is that Zhejiang Zheshang Bank has launched a comprehensive financial service plan called "Shan Ke Pei Ban Plan" to support the development of technology enterprises throughout their lifecycle [2][3] - The "Shan Ke Pei Ban Plan" focuses on four dimensions: personnel support, scenario support, product support, and ecological support, creating a comprehensive support network for technology enterprises [2] - The bank will provide dedicated financial advisory teams for each technology enterprise, focusing on key scenarios such as R&D transformation, venture capital introduction, equity incentives, and IPO preparation [2][3] Group 2 - The bank's "Shan Ben Credit Project" aims to address the gap between technological value and financial credit value for startups, allowing intangible assets like talent, technology, and patents to be converted into financial capital [3] - As technology enterprises mature, their financial service needs shift towards supply chain finance, cross-border finance, merger loans, and capital market services to help them leverage their technological advantages [3] - The "Shan Shu Technology Financial Platform" was jointly launched by the Zhejiang Chamber of Commerce Financial Services Committee and the Jinyu Alliance, aiming to integrate financial resources with industry scenarios and enhance the financing accessibility for technology enterprises [4]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示概不就因本公告全部或任何部分內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 浙商銀行股份有限公司 陸建強 董事長 （於中華人民共和國註冊成立的股份有限公司） （股份代號：2016） 董事會召開日期 浙商銀行股份有限公司（「本行」）之董事會（「董事會」）謹此宣佈，本行將於 二零二五年四月二十九日（星期二）舉行董事會會議，其中議程包括審議及批准本 行及其附屬公司截至二零二五年三月三十一日止三個月之第一季度業績及其刊發。 承董事會命 中國，杭州 2025年4月15日 CHINA ZHESHANG BANK CO., LTD. 浙商銀行股份有限公司 截至本公告日期，本行的執行董事為陸建強先生、陳海強先生及馬紅女士；非執 行董事為侯興釧先生、任志祥先生、胡天高先生及應宇翔先生；獨立非執行董事 為汪煒先生、許永斌先生、傅廷美先生、施浩先生及樓偉中先生。 ...

Core Viewpoint - The reverse salary recovery mechanism has become a norm among listed banks in China, with 10 banks disclosing a total recovery amount exceeding 100 million yuan in 2024 [1][2]. Summary by Relevant Sections Reverse Salary Recovery Mechanism - As of 2024, 10 listed banks have reported specific amounts for reverse salary recovery, with a total exceeding 100 million yuan [1][2]. - Since the issuance of the regulatory guidelines in early 2021, 13 listed banks have disclosed specific recovery amounts, totaling nearly 300 million yuan over the past three years [1][9]. Specific Bank Data - The highest recovery amounts were reported by Bank of China and Zhejiang Commercial Bank, with Bank of China recovering 32.5 million yuan from 2,469 individuals in 2024, and Zhejiang Commercial Bank recovering 30.34 million yuan from 1,424 individuals [3][4]. - Other banks such as Bohai Bank and Tianjin Bank also reported significant recovery amounts, with Bohai Bank recovering 24.03 million yuan from 612 individuals in 2024 [5]. Performance Salary Delay and Recovery - The mechanism of "performance salary delay and recovery" has become standard practice, with many banks implementing it for over 40% of the performance salaries of senior management and key positions [11]. - For instance, Citic Bank has revised its policies to ensure that over 50% of performance salaries for senior management are subject to delay [11]. Overall Trends - The trend of disclosing reverse salary recovery amounts has increased since 2022, with more banks adopting this practice [8]. - In addition to recovery amounts, some banks have also disclosed performance salary delay amounts, such as Tianjin Bank reporting 146.71 million yuan in delayed payments for 2024 [10].

Core Viewpoint - The era of easy profits in retail banking is over, as evidenced by the recent financial reports from listed banks for 2024, showing a decline in retail business performance across most institutions, with only China Merchants Bank reporting a slight increase in revenue [4][5]. Revenue and Profit Summary - China Merchants Bank reported retail revenue of 196.83 billion yuan, a year-on-year increase of 1.29%, while other banks experienced declines, with the largest drop being 45.04% for Bohai Bank [5][6]. - In terms of profit, all banks that disclosed data saw a decrease, with China Merchants Bank's profit declining by 9.28%, and Bohai Bank reporting a loss of 2.79 billion yuan [5][6]. Non-Performing Loan (NPL) Ratio Summary - The retail loan NPL ratio increased for most banks, with only Industrial Bank and Zhejiang Commercial Bank showing a decrease. Bohai Bank's NPL ratio surged to 4.15%, marking a significant increase of 1.9 percentage points [2][11]. - The rise in NPL ratios is attributed to external economic pressures, including declining household income and rising unemployment, impacting repayment capabilities [11][12]. Retail AUM Performance - China Merchants Bank led in retail Assets Under Management (AUM) with nearly 15 trillion yuan, significantly outpacing its competitors, and recorded an AUM growth rate of 12.05% [7][8]. - Other banks, such as CITIC Bank, also showed strong AUM growth, reaching 4.69 trillion yuan with a 10.62% increase [8]. Strategic Directions - Banks are shifting their retail strategies, focusing on deepening existing customer relationships rather than solely acquiring new clients. For instance, Industrial Bank emphasizes maximizing the value of existing customers, while others like Ping An Bank are undergoing a challenging retail transformation [15][16]. - The emphasis on wealth management and the transition from traditional deposit-taking to higher-value products is evident, with non-deposit AUM ratios being significantly higher in joint-stock banks compared to state-owned banks [9][10].